The other circumstance when long term care insurance is vital is when you live alone and are highly independent (which then translates into isolated).

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Jesus said that man does not live by bread alone, and whether you are religious or not, this is a profound insight into human psychology.

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If your aging parent must live alone, has few social contacts and never gets a hug, you can imagine how desperate he or she might get.

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In the United States alone, there are 28 colleges and universities such as Fordham, Georgetown, and (if you live in Chicago, Maryland, New Orleans or Los Angeles) one of four Loyolas, along with dozens and dozens of high schools.

FORBES: Lead Like Ignatius